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https post -- Do I have to use cURL?

I'm trying to post a form to my credit card processor, but it must be done via https obviously. I use Snoopy and like it, but it doesn't support SSL on its own.

I've been reading through the forums and it seems every one is suggesting cURL, but I occasionally see someone say they can do it with only https commands.

I prefer not to install cURL unless I really have to (call me lazy), but if I have to which piece do I need to download? I've seen binary, src, and devel downloads. Any good articles on doing the install?